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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,089 | $45,343-13.8% | $150,298-74.0% | $67,986-42.5% |
| Participation rate | 35.2% | 51.9%-16.6pp | 77.8%-42.5pp | 57.2%-22.0pp |
| Annual return | 21.37% | 33.28%-11.9pp | 62.79%-41.4pp | 31.67%-10.3pp |
| Employer contribution / active EE | $937 | $1,462-35.9% | $4,154-77.4% | $2,019-53.6% |
| Participant deferral / active EE | $2,103 | $2,055+2.4% | $5,453-61.4% | $3,358-37.4% |
| Admin fee / account holder | $8,738 | $2,250+288.4% | $14,116-38.1% | $3,203+172.8% |